Personal loans in Cleburne, TX
Cleburne, Texas — home to about 36,209 people — is a smaller city, so the terms you are offered follow Texas law rather than any local rule. The Census counts 36,209 people in Cleburne, the 101st-largest figure among Texas's 1,224 places.
From the 2020 Census base to the 2023 estimate, the population rose by about 15.7%. Lenders active in Cleburne report to a Texas supervisor, identified in the sourced rows below. Price two or three terms so you can see which payment is truly affordable in Cleburne. Borrowers who want a bigger city can look to Burleson, TX about 12 miles away.
Where Cleburne stands
Here is the sourced Census picture for Cleburne, plus the Texas lending rules that apply to a loan taken out here.
- Population: 36,209 — Cleburne ranks 101st of 1,224 communities in Texas (US Census Bureau, Vintage 2023).
- Population trend: A rise of about 15.7% from 2020 to 2023.
- Net change: roughly 4,924 more people than the 2020 Census counted.
- Size percentile: bigger than about 92% of the places in Texas, with 36,209 residents in Cleburne.
- Land and density: 33.2 square miles of land carry roughly 1,091 residents per square mile.
- Land area: Cleburne covers 33.2 square miles, the 70th-largest area among Texas's 1,224 places.
- Water: Cleburne holds about 2.89 square miles, the 33rd-largest water area in Texas.
- State share: roughly 0.2% of Texas's residents live in Cleburne (36,209 people).
- National rank: Cleburne is 1,110th of 19,457 places nationwide.
- Growth rank: Cleburne ranks 129th among Texas's 1,224 places for the 2020-to-2023 change.
- Versus Texas: the state average change is +6.5%, while Cleburne moved 15.7%.
- Density rank: Cleburne places 453rd among Texas's places by people per square mile.
- Against the state median: Cleburne runs about 1,091 residents per square mile, where the Texas median is 840.
- Location: 32.3550 / -97.4116, per the US Census Bureau Gazetteer.
- Nearest larger cities: Burleson (12 mi); Mansfield (23 mi); Midlothian (26 mi); Arlington (29 mi); Fort Worth (30 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Smaller communities close by: Keene (6 mi); Coyote Flats (7 mi); Joshua (7 mi), each with its own Census population profile.
- Smaller neighbours: 105 places smaller than Cleburne sit within 50 miles.
- At 100 miles: 46 larger Census places fall inside that radius.
What a Cleburne borrower is actually offered
In Cleburne, a smaller city of about 36,209, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Federal Truth in Lending rules require a Cleburne lender to disclose the APR and finance charge before you sign. Because the payment is fixed, the total cost of a Cleburne loan is knowable in advance — unlike a revolving card balance.
Getting a loan in Cleburne
Cleburne is a moderately settled community of about 36,209 people, with 22 larger places inside a 50-mile radius. Distance to a branch rarely matters for Cleburne's 36,209 residents: the application is online and the price follows your credit file. The nearest bigger place is Burleson, TX about 12 miles away.
The geography behind Cleburne
Cleburne covers about 33.2 square miles of land, with 2.89 square miles of water inside its boundaries (Census Gazetteer). Spread across it are roughly 1,091 residents per square mile. Houston, the largest place in Texas, is about 214 miles from Cleburne. Cleburne has 22 larger places within a 50-mile radius. By land area it ranks 70th of 1,224 Texas places.
Cleburne in state context
Set beside Texas's 1,224 places, Cleburne ranks 101st by population and holds about 0.2% of the state total. On the 2020-to-2023 trend, Cleburne stands 129th among Texas's 1,224 places — roughly the 89th percentile. By density, at about 1,091 people per square mile, it ranks 453rd in Texas. The population moved by about 4,924 people between 2020 and 2023, a 15.7% shift.
The Texas lending rules that reach Cleburne
When Texas does not publish a figure, the row links to the source instead of inventing a number; Cleburne is bound by the same rules.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | Texas Office of Consumer Credit Commissioner (OCCC) Source says: The OCCC licenses and regulates non-depository lenders in the state of Texas. | Texas Office of Consumer Credit Commissioner (OCCC) as of 2026-09-16 |
| Small-loan / installment lender licensing | License required for non-depository lenders charging more than 10% interest; Chapter 342 governs consumer loans (Tex. Fin. Code § 342.051) Source says: Non-depository lenders who engage in making, transacting, or collecting loans with a rate of interest greater than 10% must be licensed by the OCCC. | Texas Office of Consumer Credit Commissioner (OCCC) as of 2026-09-16 |
| Maximum legal interest rate (usury cap) | 10% per year maximum; a greater rate is usurious unless otherwise provided by law (Tex. Fin. Code § 302.001) Source says: The maximum rate or amount of interest is 10 percent a year except as otherwise provided by law. | Texas Legislature (Texas Constitution and Statutes) as of 2026-09-16 |
Common questions
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Nearby places
- Keene, TX — population 6,860
- Joshua, TX — population 8,901
- Coyote Flats, TX — population 289
- Rio Vista, TX — population 1,190
- Cross Timber, TX — population 462
- Godley, TX — population 3,589
- Briaroaks, TX — population 506
- Burleson, TX — population 55,220